E&O / PROFESSIONAL LIABILITY

E&O for your professional work.

Explore professional liability coverage for real estate and related businesses, then review the terms that matter for your services.

15+ Years
Experience

Independent
Broker

Multiple
Insurance Markets

CA License
#0F89428

What E&O is designed to address

Errors and omissions insurance is professional liability coverage. It may respond to covered claims alleging mistakes, omissions or negligence in the professional services described by the policy.

Two policies with the same limit can treat defense expenses, insured contractors or prior work differently. Bring the full current policy and endorsements when you want to compare those differences.

Find the right starting point

Real Estate Agents & Brokers

Professional liability for sales and brokerage activities.

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Mortgage Professionals

A review shaped around mortgage services and business operations.

Property Managers

Discuss management activities, portfolio details and contracts.

Escrow Companies

Review insured escrow services and related operational exposures.

Compare the policy provisions behind the premium.

• The definition of insured professional services and insured entities

• Per-claim and aggregate limits, deductibles and defense-cost treatment

• Retroactive dates, reporting requirements and extended reporting options

• Exclusions, conditions and sublimits affecting your actual activities

Start with what you know. We will identify any carrier application or supplemental information needed after the initial review.

Changing carriers? Review prior acts before replacing coverage.

Bring your current declarations and retroactive date. Tell your broker about claims or known circumstances, and review the reporting duties under both the current policy and the proposed one.

Compare more than the premium

Ask which entities and people are insured, whether all services are described, how defense costs affect limits, and which deductibles or sublimits apply.

Timing matters

Many E&O policies use a claims-made structure. Review the retroactive date and reporting provisions before a renewal, cancellation or change of insurer.

Build the submission around the business

Start with business details, licenses, revenue by service, professional counts, current declarations and claims history. Tell us about unusual services and known circumstances early.

Coverage beyond E&O

Professional liability does not replace every business policy. Review cyber, general liability, property, workers' compensation and bonds where relevant.

Continue your research

Understand prior acts

Review dates, continuity and reporting questions in the Knowledge Center.

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Review the wider business

Explore related policies for operations, employees and property.

READY TO PROTECT YOUR BUSINESS?

Start with an E&O quote or talk with an experienced broker.

☎  877-291-9519